Ways to Handle Debt Lawsuit
It is for a fact that no one would want to deal with mailings, lawsuits, or calls from debt collectors. The fact that most debt collection companies use a language that instills fear in people explains why no one would love to deal with them. No matter how strong the urge to ignore a lawsuit and threats is, you should never try ignoring it because you would end up in more trouble. The fact that you do not have much knowledge of debt lawsuits and threats explains why they think that ignoring such would be the solution. It would be easier for you to handle a debt lawsuit if you consider the tips below.
It would be a good thing to work with debt lawsuit lawyers. No one should discourage you from hiring debt lawsuit lawyers. It can be hard for you to know the options you have and this explains why you need to hire a lawyer.
You can also decide on the legal rights of the company to sue. What you need to note is that the company pursuing the debt lawsuit has to prove the right they have to pursue the same. If you do not want to admit the responsibility of debt, you should not stay silent on the matter. Therefore, you should ensure that you ask for documentation in writing because that would be a way for the judge to back the request. What you need to note is that the plaintiff should show the judge a credit agreement that you have signed.
One of the things you will have to do is to respond to the debt lawsuit or claim. It is for a fact that most people do not respond to the summons and complaints they get and this is where they go wrong. What you need to understand is that failing to respond would mean that the collection agency would have a default judgment against you. Some people wait for too long to respond to the claims but this should not be the case; what you should know is that the summons have a date and you should not take more than 30 days to respond.
It would be a good thing to ensure that you push back on the proof burden. As stated earlier, the plaintiff should prove that you owe a specific amount. As long as the plaintiff does not show that you are responsible for the debt, it can be hard for the case to go on. If you follow these tips, you will get the help that you need and it would help prevent debt collection lawsuits.